102 Comments (102 New)


There have been quite a few questions in Member community about Zelle and we want to make sure all your questions and concerns are addressed. I sat down with Kiyanna Garland to give a few more details about USAA and Zelle. Kiyanna Joined USAA in 2004, and works in the Bank Money Movement team as a Product Management Director. She is the Experience Owner for Person to Person (P2P) transactions.



Why Zelle and what are the advantages?

Zelleis the new way to send and receive money quickly, safely, and securely between almost any U.S. bank account within minutes using a mobile number or email address. The experience of Send Money with Zelle℠ is available within the USAA mobile banking app.


How do I set it up?

Here is a step by step with photos, but members must also:

  • Be 18 years of age
  • Complete a one-time enrollment
  • Have a valid email address or mobile number that has not been previously registered in the Zelle network
  • Have a USAA FSB checking or savings account that is at least 10 days old

When should I use Zelle?

Zelle can be used for the everyday experiences such as paying friends or family for your share of the dinner bill or to send funds for birthday gifts.


When should I use transfer funds (and where do I find it)?

You should use Transfer Funds when moving money between bank accounts you own, USAA and non-USAA. To do this, tap “Transfer” from the tab bar in USAA mobile app, located at the bottom of the screen on iOS devices and at the top of the screen on Android devices


If you are like member Pittsburgh75 who is not receiving notifications, please do the following:

  • Ensure that text messaging short codes are enabled for your mobile phone.  The short code is 698722.
  • If you are on Sprint or T-Mobile, you will need to call your carrier and enable short code messaging for USAA one time codes to be received.
  • You will need to check delivery preference settings in the USAA app to ensure text message delivery is on for messages sent by USAA.


I just started using Zelle, where is my money?

It is important that your senders know which email address or mobile number you have enrolled with. Money must be sent to a registered email address or mobile number.  If you get a notification from Zelle/ClearXchange that someone has sent you money, you must register the email address or mobile number that the notification was sent to. It is also important to note that when you register, it may take between 1 and 3 business days to receive your first payment.


We encourage you to share your feedback and experience here in community like member “Navy EOD” who has used Zelle successfully to send money!


Still have questions? Please post in the comments.


Helpful Inks:

FAQ Sending Money with Zelle

Send Money with Zelle

Money Transfer How To


About the Blogger: Briana Hartzell is a Navy spouse, mother to two beautiful girls (3 years and 1 year), a former full time USAA employee and a graduate of Texas A&M University. Briana writes at Being Briana, a blog focused on the joys that military life and parenthood can bring.


Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC Fees may apply for non-USAA customers. Mobile carrier fees may also apply Funds transfer applies to U.S. accounts only.

EN2_GEN5300_Zelle_Setup: At this time, USAA members may only send to and receive from financial institutions in the Zelle network

245376 - 0917

USAA Service
USAA Service

@Rosamar, Sorry to hear that this happened. I see this wasn't the outcome you were looking for. I have your forwarded your feedback and concerns. Thank you for reaching out and take care. ~Tom

Occasional Visitor

I feel USAA has victimized my family twice; We were scammed and the money sent by a service provider that they voucher and recommended is siding with the scammers and not refunding us the money. I just made a complaint about it to the BBB because someone has to stop siding with criminals and not with decent people that are robbed and victimized. I have a police report and even with that the bank and the policies sided with the scammers. Very sad that when I used the service thru the bank website I have never imagined these two situations been scammed and victimized by the institution. Im not alone and Im sure and not the last one. I think after many cases the polices need to change and not siding with criminals and have the members back.


Is there an update on when the reoccurring transfer feature would be available? I see in 2018 someone had asked about it. Any progress? 


USAA Service
USAA Service

@mnsnow - Thank you for your question. At this time, recurring transfer via Zelle is not available. You may set up a recurring transfer on 

  1. Select My Tools located at top of screen.
  2. Select Transfer Between Accounts located under Transfers.
  3. Follow the prompts to transfer funds. 

Please let us know if you have any questions. Thank you - Tricia

New Member

I agree with RR62. I use zelle to pay my rent and I have to pay over the course of 2 days. The limit needs to be increased. 

New Member

Adding my enthusiastic +1 for recurring payments. Many many banks allow recurring Zelle payments, and this would be incredibly useful for me, and undoubtedly many others.

USAA Service
USAA Service

Hello @julib and thank you for your feedback and suggestion. I have sent this information to the appropriate banking area to be reviewed during future enhancements.  We appreciate you taking time to submit this. ~Sarah 

USAA Service
USAA Service

@pete2323, Thank you for taking the time to provide your feedback. I've shared your feedback with the appropriate team on your behalf in an effort to improve our services. Tricia

Occasional Visitor

Recently zelle has started asking for text message verification to log in. Being that I'm stationed overseas with a foreign carrier it has rendered my ability to send money impossible. Without being able to log in to the app, how am i supposed to change the code verification to email (if thats a possibility)?

USAA Service
USAA Service

Hello @stef.g and thank you for reaching out to us. In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S. If you are using the Zelle app please call them directly at 1-844-428-8542. To change the phone number or email address using the USAA app for Zelle,

1. Access the USAA mobile app with an iPhone or Android device.

2. Tap on Send Money with Zelle, then tap Menu (iOS) or 3 dots (Android). 

3. Select Receive Money Settings.

4. Choose one of the emails or mobile numbers that appears or add a new email or mobile number for registration.


Hope this helps! :) ~Sarah